WHY CHOOSE BUPA GLOBAL TRAVEL

WHY CHOOSE BUPA GLOBAL TRAVEL We expect you to have high expectations. This is why we offer you one of the best travel insurances in the world Our aim is to give you peace of mind by covering you whenever and wherever you travel, providing you with high quality service, giving you access to suitable treatment and getting you back home safely. Your healthcare partner Bupa Global Travel is much more than an insurance company we are your healthcare partner offering you sincere value. From the moment you call us in need of a doctor, until your medical bills have been paid, we are with you all the way. We advise you on the necessary treatment and medical facilities, and we talk the language your hospital talks when arranging a procedure. Our 24-hour emergency service Bupa Global Assistance provides you with in-house: Medical referrals Counselling on treatment Coordination of hospital stays and medical evacuations Unique advantages for you* Worldwide cover Unlimited medical cover 24/7 in-house emergency service Free choice of hospitals and doctors No deductible or co-payment on Basic Cover Most dangerous sports and occupations covered Risk and war zone cover Optional coverage for baggage, liability and trip cancellation All nationalities covered Global risk and security monitoring Easy to extend online even after you left on your trip You can even reach Bupa Global Assistance by text on +45 42 41 30 00! We are your healthcare partner to make certain you feel secure and receive the right treatment when you are abroad. * For full details of cover and benefits see the Policy Conditions. 4 5

With an Annual Travel you can travel up to one month per trip BUPA GLOBAL TRAVEL MYCARD Free app for smartphone and tablet With the mycard app, you always have access to your virtual insurance card on your smartphone or tablet no matter where you are. Your travel options The Annual Travel option covers all your trips up to one month per trip for the whole policy year. If you are travelling more than a month you may also extend your insurance for an extra premium per day. The Single Trip option covers one trip up to a maximum of 12 months. If your trip turns out to be longer than first anticipated, you can easily extend it online. Whichever option you choose, your children under two years are covered free of charge on your policy. Advantages of the app: Virtual insurance card Important information for the doctor/ hospital in 53 languages for even faster access to treatment Direct contact to our 24-hour in house emergency service with a single touch Adjustable to six different languages: Danish, German, English, French, Spanish and Portuguese Direct access to your brochure, policy conditions and claim forms. The app can be downloaded for smartphone and tablet. 6 7

YOUR COVER OPTIONS With Worldwide Travel Options we offer you a solution that allows you to tailor your own travel insurance policy. This gives you flexibility and complete peace of mind. The Basic Cover is a full medical plan which can be taken out on its own or you can add one or both of the options. BASIC COVER This option provides you with the following benefits: Unlimited medical cover In-patient treatment Out-patient treatment Evacuation NON-MEDICAL OPTION This option provides you with the following benefits: Personal accident - death and disability Baggage theft, loss or TRIP CANCELLATION OPTION This option covers in case you are unable to travel due to acute illness, injury or death. Your tailored Worldwide Travel Options Repatriation Mugging and assault damage Baggage delay Compassionate emergency Theft of passport/cash repatriation Personal liability property Accompaniment Compassionate emergency damage Personal liability bodily visit Statutory arrangements in injury Travel delay case of death Home transportation of the deceased Missed flight connection Hospital daily benefit Security and legal assistance See pages 16-18 for full List of Reimbursements. 8 9

BUY THE INSURANCE No deductible or co payment on Basic cover Online 5% ONLINE DISCOUNT WWW.IHI.COM Take out the insurance online at www.ihi.com and get a 5% discount on the premium. Your online options: print your policy documents extend your insurance submit your claims view claims history on your personal website mypage* pay your premium receive new documents online via mypage It pays to renew When you renew your Annual Travel policy, the premium will be approximately 25% lower than your first year premium. Just click on pay your premium on www.ihi.com your discount has already been deducted. *Only with Annual Travel 10 11

USE THE INSURANCE Children under two years free of charge Pre-existing conditions If you suffer from a pre-existing condition before the beginning of the trip, and if the condition has been stable the last six months prior to each departure, it is normally covered, according to art. 6.6. If in doubt, we offer you the possibility to get a pre evaluation of your medical condition. Send an up-to-date medical report to Bupa Global Travel and our in house medical consultants will confirm if your particular condition is covered. Acute assistance In case of hospitalisation, evacuation, compassionate emergency repatriation, accompaniment, compassionate emergency visit, death and accident, Bupa Global Assistance must always be notified immediately. Bupa Global Assistance is open 24/7/365 and can be contacted by: Text: +45 42 41 30 00 Phone: +45 70 23 24 61 Email: emergency@ihi-bupa.com We can issue a guarantee of payment to hospitals, arrange home transportation and provide other kinds of assistance in connection with accute illness and injury. How to claim Outpatient treatment such as visits to a doctor or dentist must be paid by yourself before claiming reimbursement. You can download a claim form from www. ihi. com. Send it electronically by email to traveleclaim@ihi.com or by ordinary mail to our postal address. Please complete the form with as much detailed information as possible together with all relevant documentation such as itemised bills, scanned receipts, expense documentation, etc. Claiming online You can submit your claims online on www. ihi.com/travelclaim. All you need to do is to complete the online claim form step by step with as much detailed information as possible and scan your bills and corresponding receipts before attaching them to the claim form. Claiming online is easy and it allows you to upload your claims in a secure way. When your claims have been assessed, you will be notified by email or letter. PLEASE NOTE......that claims regarding delayed and lost baggage must be submitted by ordinary mail. Please keep the original bills until your claims have been reimbursed as the bills may be requested. 12 13

24-HOUR IN-HOUSE EMERGENCY SERVICE We are with you everywhere Our 24-hour in-house emergency service Bupa Global Assistance in Copenhagen is your guarantee of help and assistance whenever and wherever you are. Bupa Global Assistance is staffed by more than 70 highly qualified multicultural and multilingual coordinators, nurses and doctors with long experience in handling emergency situations. We assist you in more than 20 languages and our medical consultants are among other international experts in aviation medicine and telemedicine. As Bupa Global Assistance is in-house you will always reach a coordinator who knows your insurance in detail and can assist you immediately. You only have to concentrate on getting better while we take care of all the administrative and financial details. Global risk and security monitor Feel secure that the area you are travelling to is completely safe and/or learn where and when to take precautions. We can provide you with comprehensive risk reports and updates for more than 200 countries regarding: crime terrorism civil unrest risk areas epidemics Just contact Bupa Global Assistance to receive updates from your area. They are available 24/7 and may be reached by: text: +45 42 41 30 00 phone: +45 70 23 24 61 email: emergency@ihi-bupa.com Free choice of hospitals and doctors YOU WILL GET ACCESS TO 24/7 in-house emergency service In-house doctors and nurses Guarantee of payment to hospitals Assistance in arranging medical evacuations Pre-authorization Medical advice in-house Counselling on treatment Medical referrals to most appropriate place of treatment Telemedicine 14 15

LIST OF REIMBURSEMENTS Valid from 1 January 2015 Maximum cover and benefits are per person per trip: Basic Cover USD EUR CHF GBP Maximum cover per person per trip Unlimited Unlimited Unlimited Unlimited Hospitalisation 100% 100% 100% 100% Outpatient treatment by a doctor/specialist 100% 100% 100% 100% Prescribed medicines 100% 100% 100% 100% Prescribed treatment by a physiotherapist/ chiropractor 2,500 2,000 3,400 1,375 Provisional pain relieving dental treatment 300 250 400 165 Ambulance transportation 100% 100% 100% 100% Medical evacuation/repatriation (must be pre-approved and co-ordinated by the Company) 100% 100% 100% 100% Mugging and assault crisis psychologist 250 per incident 200 per incident 250 per incident 150 per incident Evacuation 100% 100% 100% 100% Return trip 100% 100% 100% 100% Compassionate emergency repatriation 100% 100% 100% 100% Accompaniment 100% 100% 100% 100% Compassionate emergency visit 100% 100% 100% 100% The List of Reimbursements is part of the Policy Conditions. Accommodation (overnight stay), meals and local transportation for an insured unable to continue their travel itinerary due to acute illness or injury, or persons summoned or accompanying an insured, per person 6,000 per day 300 5,000 per day 250 8,000 per day 400 3,300 per day 165 Statutory arrangements in case of death 100% 100% 100% 100% Home transportation of the deceased 100% 100% 100% 100% Continuation of trip post treatment (must be pre-approved by the Company) 100% 100% 100% 100% Sports activities including winter sports Medical expenses* 100% 100% 100% 100% *cf., however, Art. 6 and Art. 23 16 17

POLICY CONDITIONS Valid from 1 January 2015 Non-Medical Option USD EUR CHF GBP Personal accident death and disability* 75,000 55,000 83,000 42,000 Maximum baggage cover per person per trip 2,000 1,500 2,200 1,100 Theft, robbery and fire 100% of the maximum baggage cover Loss of or damage to registered baggage 100% of the maximum baggage cover Theft of passport and/or cash 10% of the maximum baggage cover Baggage delay 500 350 550 280 Personal liability property damage 500,000 360,000 550,000 280,000 Personal liability bodily injury 1,000,000 715,000 1,100,000 550,000 Travel delay documented expenses for accomodation (overnight stay) and meals 500 per day 100 350 per day 70 550 per day 110 300 per day 60 Missed flight connection 1,000 800 950 650 Hospital daily benefit 2,000 per day 50 1,400 per day 35 2,400 per day 60 1,200 per day 30 Security and legal assistance** 10,000 7,200 11,100 5,500 *cf, however, art. 13.2-5) and 13.2-6) **10% co-insurance Trip Cancellation Option USD EUR CHF GBP Single Trip 2,000 1,450 2,200 1,100 Annual per trip 1,500 1,100 1,650 850 The complete terms and insurance sums are stated in the Policy Conditions. In accordance with the Danish Insurance Contracts Act. 18 19

Index Art. 1 Acceptance of the insurance Art. 2 Commencement date and extensions Art. 3 Who is covered by the insurance? Art. 4 Where is cover provided? Art. 5 What is covered by the insurance? Art. 6 Medical expenses Art. 7 Medical evacuation/repatri ation Art. 8 Mugging and assault Art. 9 Return trip Art. 10 Compassionate emergency repatriation Art. 11 Accompaniment and compassionate emergency visit Art. 12 Evacuation Art. 13 Personal accident Art. 14 Baggage Art. 15 Delayed baggage Art. 16 Personal liability Art. 17 Damage to rented holiday home Art. 18 Travel delay Art. 19 Missed flight connection Art. 20 Hospital daily benefit Art. 21 Security and legal assistance Art. 22 Trip Cancellation Option Art. 23 Exceptions to cover Art. 24 How to report a claim Art. 25 Cover by third parties Art. 26 Payment of premium Art. 27 Necessary information to the Company Art. 28 Assignment, cancellation and expiry Art. 29 Disputes, venue, etc. Art. 1 Acceptance of the insurance 1.1: Bupa Denmark, filial af Bupa Insurance Limited, England (Bupa Denmark, branch of Bupa Insurance Limited England), hereinafter called the Company, shall decide whether the insurance can be accepted. In order for the insurance to be accepted and the Company to become liable, the application must be approved by the Company. The Company may offer the insurance on special terms. If the Company decides to offer the insurance on special terms, the policyholder will receive a policy schedule in which these terms are stated. 1.2: In order for the insurance to be accepted by the Company, the applicant must not have reached 70 years of age at the commencement date. 1.3: If Annual Travel has been chosen, the insurance cover shall cease when the insured reaches 70 years of age. 1.4: All underwriting and issuance of policy schedules are made from the Company s office in Copenhagen, Denmark. The Company may choose to have data processed in or outside the EU. 1.5: The Basic Cover must be taken out before any other options can be added. Art. 2 Commencement date and extensions 2.1: The insurance shall be valid if the premium has been paid prior to the commencement date. The insurance shall be effective in the period stated in the policy schedule/on the insurance card. 2.2: The right to compensation shall take effect when the insured leaves his/her country of permanent residence and shall cease upon return to the country of perman ent residence. If the insurance and/or additional options are taken out after the insured has left the country of permanent residence, there is a waiting period of three days before the insurance and/or additional options takes effect. In the event of serious injury in con nection with an accident, the right to com pensation shall, however, take effect concurrent ly with the commencement date of the insurance. 2.3: If Annual Travel has been chosen, cover shall be valid only for trips of one month s duration, as a maximum, unless extra travel days have been purchased. One month is defined as a period from eg the 5th in one month up to and including the 4th in the following month. The cover always starts on the date when the insured leaves the country of permanent residence and continues for one month. If the insured takes out the policy during a trip abroad, the one month period is still calculated from the insured s departure from the country of permanent residence. 2.4: If Single Trip has been chosen, the insurance can only be taken out for an insurance period of maximum 12 months. 2.5: The insurance period of Single Trip and Annual Travel can be extended as per agreement with the Company. However, any illness or injury which has come into existence, or has shown symptoms, or has been diagnosed in the previous insurance period(s) shall not be covered in the extended insurance period. 20 21

2.6: If Annual Travel is extended with extra travel days and if the extra travel days are Art. 6 Medical expenses 1) has been hospitalised within six months prior to commencement of the trip or, 6.7: Physicians, specialists, dentists, etc performing the treatment must have purchased prior to the insured s depart ure 6.1: The insurance shall cover the medical if Annual Travel has been chosen, prior authorisation in the country of practice. from the country of perman ent residence, the expenses incurred by the insured in case of to each departure from the country of Furthermore, the method must be approved cover will be continuous without interruption acute illness and injury. permanent residence, by the public health authorities in the in the extended period. country where the treatment takes place. Art. 3 Who is covered by the insurance? 6.2: Treatment by authorised physicians and specialists, prescribed hospitalisation, prescribed medicines and local trans port 2) has been treated by a physician (routine check-ups excepted) within six months prior to commencement of the trip or, Methods of treatment not yet approved by the public health authorities, but under scientific research, will only be covered if approved 3.1: The insurance shall cover the insured to and from the place of treat ment shall be if Annual Travel has been chosen, prior in advance by the Company s medical person(s) named in the policy schedule/on the compensated at 100% of the expenses. to each departure from the country of consultants. insurance card. permanent residence, 6.3: Treatment by physiotherapists and 6.8: The Company has the right to demand 3.2: Free cover of children under the age of chiropractors prescribed by an authorised 3) has had a change of medication within that the insured be repatriated to the country two is subject to the child being regis tered physician shall be compensated at 100% of the six months prior to commencement of the of permanent residence, if the Company s with the Company, the insured person(s) expenses, not exceeding, however, USD 2,500/ trip or, if Annual Travel has been chosen, medical consultant and the treating physician having legal custody of the child, and the child EUR 2,000/CHF 3,400/GBP 1,375 per insured. prior to each departure from the country agree that the insured is medically fit to be being registered at the same address as the of perman ent residence, transferred to his/her country of permanent insured having legal custody of the child. 6.4: Provisional pain relieving dental treatment residence. In case of disagreement, the Art. 4 Where is cover provided? 4.1: The insurance shall provide worldwide cover, cf however Art. 23.1-27 in case of an injury or infection, a lost filling or a broken tooth during the trip that requires immediate treatment by authorised dentists and prescribed medicines in connection herewith shall be compensated within a 4) has not received medical treatment, has refused or given up treatment, even though the insured should know that the illness/disorder ought to be treated, or has deteriorated, decision of the Company s medical consultant shall prevail. Art. 7 Medical evacuation/repatriation maximum of USD 300/EUR 250/CHF 400/ 7.1: Compensation shall be paid for reasonable 4.2: The insurance does not provide cover GBP 165 per insured. 5) has reached a state where any attempt additional expenses incurred for the insured s within the insured s country of permanent of further treatment has been abandoned, medical evacuation/repatriation in the event of residence. 6.5: The insurance shall cover expenses for or has been refused treatment, an acute serious illness (cf however Art. 6.6), Art. 5 What is covered by the insurance? medical assistance in case of any sudden and unforeseen illness and/or complication in connection with maternity until and including 6) is waiting to receive treatment, or has been referred to another place of serious injury or death. 7.2: The insurance shall provide cover subject 5.1: The insurance shall cover expenses the 8th month (36th week) of pregnancy, treatment, to the treating physician and the Company s incurred by the insured in the insurance period however only until and including the 4th medical consultant agreeing on the necessity in accordance with the applicable benefits month (18th week) of pregnancy when the 7) has omitted to go to pre-arranged of transferring the insured and agreeing on listed on page 16-18. pregnancy is the result of fertility treatment controls. whether the insured should be transferred and/or the insured is expecting more than to his/her country of permanent residence 5.2: Fellow-travelling children under the age one child, cf. also Art. 23.1 7). The insurance does not cover expenses or to another place of treatment. In case of of 18 who are covered by the insurance shall for control, treatment and medicines in disagreement, the decision of the Company s be entitled to compensation for reasonable 6.6: The insurance shall not cover expenses for connection with stabilisation and regu lation medical consultant shall prevail. travel expenses if the parents or all the fellow- treatment of pre-existing, chronic or recurrent of a pre-existing, chronic or recurrent illness/ travellers are medically evacuated, repatriated illnesses and dis orders if the insured: disorder. The insurance does not cover a need 7.3: The Company cannot be held liable for or are accompanying another insured in for treatment which was expected before expenses for a medical evacuation/repatriation connec tion with a transport covered by the departure. which has not been pre-approved and insurance. co-ordinated by the Company. 22 23

7.4: Only one transportation is covered in connection with one illness or injury or case of Cover for accommodation (overnight stay), meals and local transportation is limited to Art. 9 Return trip 10.3: No compensation shall be paid if the injured in question is a fellow-traveller who has death. USD 300/ EUR 250/CHF 400/GBP 165 per 9.1: The insurance shall cover a return trip to already been repatriated. day and subject to an overall maximum of the destination abroad if the insured has been 7.5: In the event of the insured s death, USD 6,000/ EUR 5,000/CHF 8,000/GBP 3,300. medically evacuated/repatriated due to an 10.4: Repatriation shall only be covered if expenses for home transportation of the illness or injury or if the insured has used the the ensuing time of arrival is at least 12 hours deceased and for statutory arrangements The insurance covers reasonable additional compassionate emergency repatriation cover. earlier than the insured s originally planned such as embalming and a zinc coffin shall be expenses for carriage of the insured s baggage time of arrival. reimbursed. The next of kin have the following up to a maximum of USD 500/EUR 400/ 9.2: The incident causing the return trip must options: CHF 475/GBP 325, if the baggage is sent be covered by the insurance, and the insurance 10.5: Compensation shall be paid for separately in connection with an evacuation or must still be valid at the time of the return trip. reasonable additional travelling expenses 1) cremation of the deceased and home a repatriation. equiva lent to the cost of an aeroplane ticket trans portation of the urn or, 9.3: The return trip must be made at on economy class, as a maximum. 7.7: The Company cannot be held liable for any the latest four weeks after the medical 2) home transportation of the deceased. delays or restrictions in connec tion with the evacuation/ repatriation or the compassionate 10.6: The insured has the right to take transportation caused by weather conditions, emergency repatriation. one fellow-traveller to accompany The insurance covers reasonable additional mechani cal prob lems, restrictions imposed by him/her on emergency repatriation. expenses for carriage of the insured s baggage public author ities or by the pilot or any other 9.4: The Company shall compensate travel Compensation includes additional travelling up to a maximum of USD 500/EUR 400/ condition beyond the Company s control. expenses equivalent to the cost of a return expenses equivalent to the cost of an CHF 475/GBP 325, if the baggage is sent separately in connection with an evacuation or a repatriation. Art. 8 Mugging and assault aeroplane ticket on economy class. The destination for the return trip must always be the destination where the insured would have aeroplane ticket on economy class, as a maximum. 8.1: The insurance shall cover expenses for been according to his/her original travel plan 10.7: If the insured does not have a permanent Expenses shall be reimbursed for repatriation counselling by a psychologist abroad or in at the time of the return trip. residence in the same country as the close for any two of the summoned relatives or fellow-travellers of the deceased. The Company shall compensate reasonable the country of permanent residence arising from an event of mugging or assault during the insurance period, up to a maximum of Art. 10 Compassionate emergency repatriation relative, the insurance shall cover reasonable additional transport expenses in connection with repatriation corresponding to the additional travel expenses equivalent to the USD 250/EUR 200/CHF 250/GBP 150 per 10.1: The insurance shall cover in the event expenses of transportation to the insured s cost of an aeroplane ticket on economy class, incident, if prescribed by the treating physician that the insured has to terminate his/her stay country of permanent residence. as a maximum. The travel expenses must be pre-approved by the Company. 7.6: If the insured is unable to continue the trip abroad. 8.2: If the treating physician and the Company s medical consultant agree on the abroad prematurely, because a close relative in the insured s country of permanent residence is hospitalised or dies as a result of a serious acute illness or injury occurring after the Art. 11 Accompaniment and compassionate emergency visit due to an acute illness or injury covered by the necessity of repatriating the insured due to an departure of the insured. 11.1: The insurance shall cover accompaniment insurance, when accepted by the Company acute serious injury or psychological trauma, and/or compassionate emergency visit in prior to the change of travel itinerary, the insurance shall cover reasonable additional In case of doubt, the decision of the the event of a serious acute illness, serious additional and reasonable expenses for travelling expenses equivalent to the cost Company s medical consultant shall prevail. injury, death and/or medical evacuation/ accommodation, food and local transportation of an airplane ticket on economy class, as a In the event of death, a death certificate must repatriation of the insured. It is a condition for shall be covered until the insured is able to maximum. be submitted to the Company. cover for compassionate emergency visit that travel again, as well as an economy class ticket the Company s medical consultant and the to continue the planned travel. The decision of A copy of the police report must be submitted 10.2: Only one transportation is covered in attending physician agree that the duration of the Company s medical consultant shall prevail to the Company together with the claim form. connection with one illness, injury or case of the stay in hospital will be a minimum of five as to when the insured is again fit to travel. death. days and nights, or that the condition of the insured is lifethreatening. 24 25

In case of disagreement, the decision of the Company s medical consultant shall 2) war, civil commotion, civil war, terrorist acts, martial law, revolution or other Art. 13 Personal accident 4) any consequences of medical treatment not necessitated by an accident covered prevail. The compassionate emergency visit similar situations in the region where the 13.1: If the policyholder has chosen the by the insurance, cover is only eligible during the insured s insured is staying, if the Royal Danish Non Medical Option, compensation shall hospitalisation. Ministry of Foreign Affairs, the Danish be paid by the insurance in the event of 5) if the insured is under the age of 18, embassy or a similar institution within the an accident that directly, and without the compensation in case of death is limited 11.2: The insured is entitled to a maximum EU recommends evacuation, and if such a influence of any illness, causes the insured s to USD 3,000/EUR 2,500/CHF 4,000/ of two persons accompanying him/her. situation has arisen after the insured left death or results in loss of a limb, loss of GBP 1,700, The accompanying persons may either for the region, sight, loss of extremity, or permanent total be fellow travellers or relatives who are disablement. 6) if the insured is over the age of 70, the summoned from the insured s country of 3) natural disasters provided that the Royal compensation payable in case of death permanent residence to accompany the Danish Ministry of Foreign Affairs, a The Company s liability as a result of any one or disablement is limited to 50% of the insured. Danish embassy or a similar institution incident shall never exceed the amount of insurance sum. within the EU recommends evacuation USD 750,000/EUR 525,000/CHF 830,000/ 11.3: The Company shall compensate and provided that the situation arose GBP 450,000 in total for all insured persons 13.3: Compensation in case of death becomes additional travel expenses equivalent to the after the insured travelled to the area. who have purchased the trip either jointly or in payable at 100% of the insurance sum when an cost of a return aeroplane ticket on economy order to travel together with the policyholder accident directly results in the insured s death class per summoned person. Furthermore, 12.2: The insurance covers additional whether the claim relates to one or more within one year after the accident. compensation shall be made for a maximum of expenses for transportation to the nearest insurance policies. USD 300/EUR 250/CHF 400/GBP 165 per day safe destination or to the home country, and Unless the Company has received written up to a maximum of USD 6,000/EUR 5,000/ a maximum amount of USD 150/EUR 110/ 13.1.1: An accident is defined as follows: instructions to the contrary, the insurance sum CHF 8,000/GBP 3,300 for each summoned CHF 170/GBP 85 per day for documented A fortuitous event occurring without the shall be paid to the insured s immediate family person or fellow-traveller for reasonable additional accommodation expenses. insured s intention which has a sudden, members, defined as the insured s spouse, or, additional expenses in connection with external and violent impact on the body, if the insured leaves no spouse, the insured s accommodation (overnight stay), meals and 12.3: If the insured is detained by the resulting in demonstrable bodily injury. children or, in the absence of any children, local transportation. authorities in a country due to war or the insured s cohabitee, provided that such impending war, the insurance shall provide 13.2: Exceptions to cover cohabitee has been registered at the same 11.4: The insurance shall only cover one coverage for up to three months for The Company shall not be liable to pay address as the insured for at least two years compassionate emergency visit in connection reasonable and documented extra expenses reimbursement for expenses which concern, or, in the absence of a cohabitee, the insured s with one insured event. for accommodation and meals, plus the costs are due to or are incurred as a result of: beneficiaries. of necessary domestic transportation. Art. 12 Evacuation 12.4: The Company cannot be held liable for 1) any illness or pre-existing medical condition which occurs, even though the If compensation in the event of disablement was paid as a consequence of the accident, 12.1: The insurance shall provide cover in the extent to which transportation can be illness or condition recurs as a result of the the amount of compensation payable is the case of: carried out, but will cooperate with the Royal accident or is aggravated by it, amount by which the death benefit exceeds Danish Ministry of Foreign Affairs, the Danish the payment already made. 1) declared epidemics in the region where embassy or a similar institution, in such cases 2) any accident caused by illness, the insured is staying, if the Royal Danish where assistance is necessary. 13.4: Compensation in case of loss of a limb, Ministry of Foreign Affairs, the Danish 3) any aggravated consequences of an loss of sight, loss of extremity, or permanent embassy or a similar institution within the accident due to a pre-existing condition total disablement becomes payable, provided EU recommends evacuation, and if the or any unforeseen illness subsequently that the injury causes disablement of the situation has arisen after the insured has contracted, insured within one year after the accident. entered the region, 26 27

1) Loss of a limb shall be loss by separation or the total and irrecoverable loss of use of a hand at or above the wrist or a foot at or above the ankle. Compensation shall be made at 50% of the insurance sum. 2) Loss of sight shall be loss of sight of one or both eyes which is certified as being complete and irrevocable by a qualified practitioner specialising in ophthalmology and approved by the Company. In case of loss of sight of one eye, compensation shall be made at 25% of the insurance sum. In case of loss of sight of two eyes, compensation shall be made at 50% of the insurance sum. 3) Loss of extremity shall be the permanent physical separation or the total and irrecoverable loss of use of a digit or part thereof or an ear, nose or genital organ or part of one of the above. Compensation shall be made at 10% of the insurance sum. 4) Permanent total disablement shall be disablement which inevitably and continuously prevents the insured from carrying out every aspect of his/her normal business or occupation for a period of 12 calendar months and, at the end of such period is certified by two qualified medical practitioners approved by the Company as being beyond hope of improvement. If the insured has no business or occupation, the disablement must confine him/her immediately and continuously to the house and prevent him/her from attending to his/her normal duties. Compensation shall be made at 100% of the insurance sum. 13.5: The insured must be receiving medical treatment and comply with the physician s instructions. 13.6: The Company is entitled to obtain information from any physician who is treating or has been treating the insured, to subject the insured to treatment by a physician chosen by the Company and, in case of death, to demand an autopsy. Art. 14 Baggage 14.1: If the policyholder has chosen the Non-Medical Option, the Company shall compensate the insured for the following items belonging to the insured on his/her travel outside his/her country of permanent residence: baggage, electronic equipment, cash, tickets, traveller s cheques, credit cards, drivers license, securities and passports. Baggage and electronic equipment of any nature for commercial use, including travellers samples, dealers stock and collections, are not covered. Bicycles, sports equipment and accessories hereto are not covered. Reimbursement for any individual object may never exceed 50% of the insurance sum. The maximum reimbursement for photo equipment and jewellery amounts to 25% of the insurance sum. The insurance sum amounts to the maximum compensation per claim, according to the List of Reimbursements. 14.2: As described in the table below, the following limits apply: Cause/Item Fire, robbery, theft from a locked hotel room, a locked home abroad or a locked safety box Theft, when observed being committed, of covered items carried on or by the insured Theft from a boot or locker separate from the passenger compartment of a locked boat or a motor vehicle Documented loss or theft of registered baggage (proof must be submitted)* Documented damage to registered baggage (proof must be submitted) Theft from the passenger compartment of a locked boat or motor vehicle Baggage and electronic equipment Up to the sum insured Up to the sum insured Up to the sum insured Up to the sum insured (electronic and photography equipment, however, is not covered) Up to the sum insured (electronic equipment, however, is not covered) Cash, tickets, securities, and passports 10% of the sum insured 10% of the sum insured 10% of the sum insured Forgotten, lost or mislaid items Theft of baggage left without effective supervision Theft from motor vehicle, boat, trailer, hotel room, home or safety box that bear no visible signs of forced entry Damage to baggage caused by food, bottles, glass, etc packed in insured's own baggage Loss in connection with abuse of credit card or traveller s cheques Loss of or damage to baggage freighted separately Indirect loss Simple theft Minor damage to the exterior of the baggage (eg scratches, stains, dents) *Compensation cannot be paid sooner than one month after the loss. 28 29

14.3: Compensation for the insured s lost or 14.5: Any theft or robbery must be reported to 1) the rental or purchase of sports 4) loss of or damage to personal property damaged valuables is calculated according to the nearest police authority. If, in exceptional equipment, which the insured owns, has on loan or for the following principles: circumstances, it is not possible to notify the storage or use, or which is in his/her care relevant local authority, for instance due to 2) indirect losses, for transporting, processing or treating 1) The insurance shall cover the replacement imminent departure, the Company must be purposes, or which is in his/her possession cost of comparable new items, if the notified as soon as possible following the 3) delays to an insured s registered baggage or care for any other reason, covered items are documented as less insured s return home. when returning to their country of than two years old. However clothes must permanent residence. 5) loss or damage to any family member, be documented as less than one year old. 2) For items more than two years old, Loss of or damage to registered baggage must be notified to the relevant carrier. Art. 16 Personal liability co-worker or co-traveller of the insured, 6) loss or damage caused by the insured s purchased second-hand or already A copy of the police or carrier report must be 16.1: If the policyholder has chosen the domestic animals, damaged, compensation will be fixed submitted to the Company together with the Non Medical Option, the insurance shall cover at the replacement cost of comparable claim form. the following: 7) claims arising as a consequence of the new items less a fair deduction for deterioration due to age, wear and tear, reduced usability or any other Art. 15 Delayed baggage 1) legal liability for any bodily injury or property damage incurred by the insured insured having transmitted a disease to another person via infection or otherwise, circumstance. This also applies to items 15.1: If the policyholder has chosen the under the existing laws of the country in 8) loss or damage caused by the use of a for which no documentation of age and Non-Medical Option, the insurance covers which such injury or damage occurs, motor vehicle, caravan or trailer, aircraft value can be provided. reasonable expenses for the purchase of and boat including the sail measuring essential items of clothing, toiletries and 2) costs of settling the compensation issue more than three metres, or, a motor 3) The Company may choose to have essential medicine in cases where registered defrayed in agreement with the Company. vehicle, camper or trailer, aircraft or boat damaged items repaired or pay an amount baggage is delayed for more than five hours including the sail measuring less than corresponding to the costs of repair. after the time of arrival at the destination 16.2: Exceptions to cover three metres if the engine power exceeds outside the country of permanent residence. The Company shall not be liable to pay three HP. 4) The Company is entitled, but not obliged reimbursement for expenses which concern, to provide compensation in kind. 15.2: Insurance cover is conditional upon the are due to or are incurred as a result of: 9) legal liability for bodily injury or property insured: damage caused by the insured with intent 5) Coverage for film, video and tape 1) liability in contract/contractual liability or gross negligence, recordings and the like is limited to the 1) providing an original Property Irregularity including but not limited to damage to cost of the raw materials. Report from the carrier stating that the a rented holiday home/hotel and the 10) claims arising as a consequence of the baggage did not arrive at the scheduled contents of a rented home, insured having participated in any illegal 6) The insurance shall cover the costs of time and date, and indicating the date and activity. replacing tickets, traveller s cheques, time of actual arrival, 2) claims arising out of or incidental to the credit cards, drivers license, securities and insured s business, employment or work, 16.3: The insurance shall not cover fines or passports. The costs include necessary 2) having already made a replacement punitive charges. transportation charges, fees, photos, purchase before the baggage was 3) claims arising as a consequence of the etc, but not compensation for the time returned to him/her, insured having incurred, by contract or 16.4: The insurance sum stated on the policy involved in replacing the items. in any other way, liability which is more schedule for property damage and bodily 3) providing documentation of the expenses extensive than that incurred under the injury is the highest limit of the Company s 14.4: The Company shall only be liable to pay in the form of dated receipts or vouchers. general statutory provisions on non- liability for any individual insurance event, compensation if the baggage is handled and contractual liability, even if it results in several losses or incidents stored safely, and if the insured exercises due 15.3: The insurance does not cover: of damage, even if several individuals can be care. 30 31

held liable, and even if coverage is provided 18.2: The insurance shall provide 2) the insured cannot provide evidence of If the security is seized because the insured under one or more policies taken out with the compensation for documented, necessary his/her receipts and a written confirmation fails to pay a fine or compensation that he/ Company. and reasonable additional expenses for of the delay from the flight operator, she has been ordered to pay, or because accommodation (overnight stay), meals and the insured does not appear in court, or if 16.5: The insured cannot with binding effect local transportation up to USD 100/EUR 70/ 3) the late arrival is due to a connecting the insured is in any other way liable for the for the Company admit liability for any loss, CHF 110/GBP 60 per day per insured, up to flight not having allowed for the official seizure, such security shall be deemed an damage or injury caused by him/her. an overall maximum of USD 500/EUR 350/ minimum transit time and at least a transit interest-free loan repayable to the Company Art. 17 Damage to rented holiday home CHF 550/GBP 300 per insured. 18.3: It is a condition for cover that the time of three hours, 4) the insured decline an alternative service immediately after seizure. 21.2: The insurance shall cover legal 17.1: If the policyholder has chosen the travel policy is purchased before the delay by the transportation provider. assistance in connection with legal Non Medical Option, the insurance shall cover damage caused by the insured to a rented holiday home/hotel and the contents of a is announced by the Carrier and before you should reasonably have known about the delay/cancellation. Art. 20 Hospital daily benefit problems arising during the covered trip. If, during the covered trip, the insured is charged or indicted for a criminal offence, rented home up to a maximum of USD 10,000/ EUR 7,000/CHF 11,000/GBP 6,000. However, the insurance shall not cover the conditions Art. 19 Missed flight connection 20.1: If the policyholder has chosen the Non -Medical Option, the insured will be entitled to receive a hospital cash benefit. necessary and reasonable attorney fees shall be covered until the case has been decided by a court of the first instance. described in articles 16.2 3), 16.2 4), 16.2 6) and 19.1: If the policyholder has chosen the Non- 16.2 8) - 16.2 10). Medical Option, the insurance shall provide 20.2: The hospital daily benefit must be If the insured is convicted before a court of Art. 18 Travel delay cover in case the insured is unforeseeably delayed on one flight and through no fault of his/her own, misses his/her connection on pre approved by the Company and applies only when treatment is received as inpatient for an eligible medical condition which is covered by the first instance for the criminal offence, the insured s attorney fees will be deemed an interest-free loan repayable to the Company 18.1: If the policyholder has chosen the another flight and subsequently must catch up the insurance. on demand. The appointment of a foreign Non Medical Option, the insurance shall on the planned itinerary. attorney to represent the insured is subject to provide cover: 20.3: The insurance shall compensate the approval by the Company. Compensation shall be paid for reasonable insured with USD 50/EUR 35/CHF 60/GBP 30 1) in case of delay of more than five hours of additional expenses for replacement flight for each 24 hour period spent in hospital as 21.3: The insurance shall cover the insured s a pre booked transportation, ticket(s) or change fee(s) up to a maximum an inpatient. The insurance sum amounts travel expenses if the insured is summoned of USD 1,000/EUR 800/CHF 950/GBP 650 to a maximum of USD 2,000/EUR 1,400/ to appear as a witness or to be examined 2) in case of cancellation of a pre-booked per trip. CHF 2,400/GBP 1,200 per insured. before a court of law outside the country of transportation, 3) in case of overbooking of a pre-booked 19.2: For the tickets to be covered, it is a condition that the means of transportation has Art. 21 Security and legal assistance permanent residence. 21.4: Except for security, see Art. 21.1, coverage transportation. been booked and paid for at least 24 hours 21.1: If the policyholder has chosen the is subject to a 10% coinsurance of the total before departure and after the insurance has Non Medical Option, the insurance shall cover costs, however, not less than USD 500/ It is the insured s responsibility to cancel any been purchased. payment that can permanently or temporarily EUR 350/CHF 550/GBP 280. pre-booked hotels/accomodation, tours and/ release the insured or his/her property from or special events, etc. The Company cannot be 19.3: Exceptions to cover: detention by local authorities. 21.5: Exceptions to cover held liable for any expenses or no-show fees in The Company shall not be liable to pay The Company shall not be liable to pay connection with the above. reimbursement for expenses in case: Security is provided as an interest-free loan reimbursement for expenses which concern, repayable to the Company immediately after are due to or are incurred as a result of: 1) the insured can claim the replacement release or on demand. flight ticket(s) or change fee(s) from somewhere else, 32 33

1) legal issues arising between the insured trip and if the situation has arisen after the 22.4: Exceptions to cover and that the insured, upon request, gives the and the travel agency, tour operator or the insured has purchased the insurance. The Company shall not be liable to pay Company s medical consultant access to all travel supplier, reimbursement for expenses which concern, relevant medical records or reports, including It is a condition for cover that the death, are due to or are incurred as a result of: information about previous courses of illness. 2) legal issues regarding contracts, the illness including any symptoms thereof, injury In case of death the death certificate must be insured s business, employment or work, or pregnancy occurs after the insured has 1) if the illness, injury or the cause of death, included. 3) legal issues relating to family law and the law of succession, booked and/or paid for the trip and after the purchase of the insurance policy. which results in the cancellation, has shown symptoms or was present when the trip was booked and/or paid for, and Art. 23 Exceptions to cover In the case of a covered incident resulting in the need for treatment could therefore be 23.1: The Company shall not be liable to pay 4) legal issues arising between the insured cancellation, a single co-insured traveller s expected before the commencement of compensation for expenses which concern: and the Company, costs will also be covered. Where the insured the trip, is travelling with his/her co-insured spouse 1) any illness, injury, bodily infirmity or 5) cases not arising during the covered trip, and/or children, these family members will be 2) if the insured has not received medical physical disability and consequences covered. treatment, has refused or given up thereof which have come into existence, 6) litigation regarding liability arising out treatment, even though the insured should or shown symptoms, before the insurance of the use of motor vehicles, aircrafts or 22.2: The insurance shall provide know that the illness/disorder ought to be became effective or, if Annual Travel has boats, compensation for the amount that the treated, or has deteriorated, been chosen, before each trip abroad insured has paid for his/her trip and for which (cf Art. 6.6), 7) de facto compensation, fines or punitive there is no possibility of a refund in case 3) if the cancelled trip is a part-arrangement charges. of cancellation and/or change in itinerary of the whole insured trip, 2) cosmetic surgery and treatment and Art.22 Trip Cancellation Option according to the conditions of the travel agency or airline company. The amount reimbursed will be subject to the insured 4) if the cancellation is due to a change in travel plans, change of mind, changed consequences thereof unless medically prescribed and approved by the Company, 22.1: If the policyholder has chosen the Trip providing satisfactory evidence of actual costs conditions at the destination, natural Cancellation Option, the insurance provides incurred. The maximum reimbursed amount catastrophes, acts of terrorism or similar 3) recreational treatment, cover in the event that the insured cannot per insured per trip is USD 2,000/EUR 1,450/ situations, travel because: CHF 2,200/GBP 1,100 under Single Trip and 4) pre-existing diseases of the teeth and USD 1,500/EUR 1,100/CHF 1,650/GBP 850 5) if the claim has occurred directly or dental treatment which is not pain 1) the insured or a close relative dies or under Annual. indirectly due to the insured s intentional relieving and provisional and can await becomes seriously ill or injured requiring actions, gross negligence or omissions, the insured s arrival home, hospitalisation, or It is the insured s responsibility to cancel any unless it can be proved that the claim has pre-booked hotels/accomodation, tours and/ no connection thereto. 5) dentures, glasses, contact lenses and 2) the insured is declared medically unfit to or special events, etc. The Company cannot be hearing aids, travel, or held liable for any expenses or no-show fees in 22.5: In case of a claim the insured must notify connection with the above. the travel agency/airline company immediately. 6) venereal diseases, AIDS, AIDS-related 3) the insured cannot be vaccinated due to The insurance does not provide cover if diseases and diseases relating to HIV pregnancy, or 22.3: The right to compensation shall cease cancellation takes place later than the time of antibodies (HIV positive), when the insured leaves his/her country of departure. 4) because the Royal Danish Ministry of permanent residence to start the trip. The 7) medical assistance in connection Foreign Affairs, the Danish embassy or a start of the trip is defined as passing border 22.6: In the case of a claim it is a condition with maternity after the 8th month similar institution within the EU advises control or embarking on an aircraft, a ship or that the insured obtains medical information (36th week) of pregnancy and after the against all travel to the destination of the a train. with a diagnosis from the attending physician 4th month (18th week) of pregnancy 34 35

when the pregnancy is the result of 16) treatment by psychologists, unless 27) expeditions, mountaineering and 24.3: Compensation payments shall be limited fertility treatment and/or the insured prescribed by the treating physician in trekking in Antarctica, the North Pole to the usual, customary and reasonable is expecting more than one child. connection with emergency relief, and Greenland, charges in the area or country in which Medical check ups are not covered in treatment is provided. any case, 17) medical check-ups, vaccinations and 28) injury caused by gross negligence and/or other preventative treatment, with intent. 24.4: The Company must be notified 8) induced abortion which is not med ic ally prescribed, 18) the insured resisting or failing to comply with the medical directions given by the Art.24 How to report a claim immediately in case of death, hospitalisation, emergency repatriation, medical evacuation/ repatriation or accompaniment, and such 9) the use of alcohol, drugs or medicines Company s medical consultant and the 24.1: Compensation shall be paid following notification must include medical information unless it can be documented that the treating physician, the Company s approval of the expenses as about the illness/injury. Notification should be illness or injury is unrelated thereto, being covered by the insurance after a fully made by telephone or e-mail to the Company s 19) the insured resisting medical evacuation/ completed claim form has been submitted 24 hour emergency service; the Company shall 10) intentional self-inflicted bodily injury, repatriation (cf Art. 6.8), to the Company together with the receipted defray all expenses incurred in this connection. suicide or suicide attempts, and itemised bills and/or other relevant 20) transportation which has not been documentation such as medical information 24.5: Claims must be reported to the 11) treatment by naturopaths, naturopathic pre approved and co-ordinated by and flight tickets/travel documents. Company immediately after the circumstances medicines and other alternative methods the Company. underlying the claim have become known to of treatment, If you are claiming for Delayed baggage the insured. 12) treatment for sickness or injuries directly or indirectly caused while actively 21) medical treatment and examinations which can await the insured s arrival home, (Art. 15) the Company requires the original Property Irregularity Report (P.I.R.) in order to complete the assessment of this claim type. Art. 25 Cover by third parties engaging in: 25.1: Where there is cover by another 22) private room in hospital unless medically The Company scans submitted bills upon insurance policy or healthcare plan, this must war, invasion, acts of a foreign enemy, prescribed and approved by the receipt. Any retrieval of the submitted bills is be disclosed to the Company when claiming hostilities (whether war has been Company, not possible. reimbursement, and the cover under this declared or not), civil war, terrorist acts, insurance shall be secondary to any such other rebellion, revolution, insurrection, civil 23) any treatment which is not necessary The Company reserves the right at any time insurance policy or healthcare plan. commotion, military or usurped power, or which is not directly related to the to require provision of original bills from the martial law, riots or the acts of any lawfully diagnosis covered by the insurance, insured. 25.2: In these circumstances, the Company will constituted authority, or army, naval or air co-ordinate payments with other companies service operations (whether war has been 24) active participation in any motorsport 24.2: In no event shall the amount of and the Company will not be liable for more declared or not), show, motorsport race or motorsport compensation exceed the amount than its rateable proportion. competition, base jumping, paragliding shown on the bill. If the insured receives 13) nuclear reactions or radioactive fallout, and mountaineering that requires compensation from the Company in excess 25.3: If the claim has been covered in whole or specialized climbing equipment, of the amount to which he/she is entitled, in part by any scheme, programme or similar, 14) treatment performed by an unrecognised the insured shall be under the obligation to funded by any Government, the Company shall physician or facility (cf also Glossary), 25) any illness or injury resulting from active repay the Company for the excess amount not be liable for the amount covered. engagement in any illegal act, immediately. Subsequent compensation 15) epidemics which have been placed under made by the Company shall first be written 25.4: The policyholder and any insured person the direction of the public authorities, 26) search and rescue services, down by any such outstanding amount. undertake to co-operate with the Company and to notify the Company immediately of any claim or right of action against third parties. 36 37

25.5: Furthermore, the policyholder and any insured person shall keep the Company fully Art. 27 Necessary information to the Company If Single Trip has been chosen, the insurance is for the exact number of days purchased by Accordingly, upon expiry, cancellation or termination of the insurance, an insured s right informed and will take any reasonable steps in 27.1: The policyholder and/or the insured shall the policyholder. There is no rolling renewal to claim reimbursement shall cease. Claims making a claim against another party and to be under the obligation to notify the Company of the Single Trip insurance plan. for reimbursement of medical expenses safeguard the interests of the Company. of any travel or health insurance cover or a incurred during the insurance period must be similar cover with another company, including The insurance may be terminated by the filed within six months of the date of expiry, 25.6: In any event, the Company shall have the a consolidated company. policyholder with effect from the end of a cancellation or termination of the insurance in full right of subrogation. calendar month with 30 days prior written order to be eligible for reimbursement Art. 26 Payment of premium 27.2: The policyholder and/or the insured shall also be under the obligation to notify the Company of and provide the Company with notice or by the Company with effect from the policy anniversary with 1 month s prior written notice. If Annual Travel has been chosen, cf Article 2.3, the insurance period shall for the 26.1: Premiums, including renewal pre miums all obtainable information required for the purpose of this Article 28.4 also mean each for Annual Travel, are deter mined by the Company s handling of the policyholder s and/ If an Annual Travel is terminated by the travel period of a maximum of one month. Company and shall be payable in advance or the insured s claims against the Company, policyholder before it has been valid for for the whole insur ance period before the including provision of original bills upon 12 months the Company shall be entitled 28.5: The insurance period can be extended commencement of the insurance. request from the Company. to a service charge of USD 100/EUR 75/ up to 48 hours with no extra premium charge GBP 60/CHF 95. if the return of the insured is delayed without 26.2: The policyholder shall be respon sible 27.3: In addition, the Company is entitled to the insured being responsible for the delay. for punctual payment of the premium to the seek information about the insured s state of If a Single Trip is terminated by the Company. health and to contact any hos pital, physician, policyholder prior to the commencement 28.6: If the policyholder has purchased a etc who is treating or has been treating the date of the insurance the Company shall travel insurance with an insurance period 26.3: In the event of failure to pay before insured for physical or mental illnesses or be entitled to a service charge of USD 35/ of more than one month, the policyholder the commencement date of the insurance, disorders. EUR 25/GBP 20/CHF 30. has a right to withdraw from the purchase. the insurance shall not be effective and the Company shall not become liable. Furthermore, the Company is entitled to If a Single Trip is terminated before it has The period during which the insurance can obtain any medical records or other written been valid for 12 months, the Company shall be withdrawn lasts 14 days and begins on 26.4: Other charges, such as Insurance reports and statements concerning the be entitled to a service charge of USD 25/ the date on which the policyholder has Premium Tax (IPT), or other taxes, levies insured s state of health. EUR 20/GBP 15/CHF 23. entered into the insurance agreement. or charges, depending on the laws of the policyholder s country of residence may apply. If they apply to the policyholder s insurance premium, they will be included within the total Art. 28 Assignment, termination, cancellation and expiry 28.3: When a claim has been filed, the insurance can be terminated with one month s notice by the policyholder or This will normally be the date on which the policyholder receives the policy schedule. Under the Danish Insurance Contracts Act that has to be paid on the premium notice. The 28.1: Without the prior written consent of the by the Company within 14 days after the the policyholder has a right to receive charges may apply from the commencement Company, no party shall be entitled to create reimbursement has been effected or rejected certain information about the right to cancel date or the anniversary of the commencement a charge on or assign the rights under the by the Company. the insurance and about the insurance. date. The policyholder must pay these charges insurance. The notice period for cancellation does to us when paying the premiums, unless 28.4: The Company s liability in connection not commence before the policyholder has otherwise required by law. 28.2: If Annual Travel has been chosen, the with the insurance, including liability for received this information in writing insurance is automatically renewed on each reimbursement for medical expenses (e.g. on paper or by email). policy anniversary. for ongoing treatment, after-effects or consequential damages in connection with an injury or illness incurred or treated during the insurance period, shall automatically cease upon expiry, cancellation or termination of the insurance. 38 39

If, for example, the policyholder receives the policy schedule, and also has received the above information, Monday the 1st, he/she can cancel the insurance until and including Monday the 15th. If the period expires on a public holiday, Saturday or Sunday, the policyholder can wait until the following day. If the insurance has entered into force before the withdrawal, the policyholder will be charged premium for the time he/she has been covered. The Company will refund the difference between the premium that would be payable for the shorter period of cover and the premium paid. If the policyholder wants to withdraw the insurance the Company must be notified by letter or email. The Company s contact details are listed at the end of this document. It is sufficient that the letter/email is sent to the Company before the expiry of the notice period. 28.7: Where upon taking out the insurance or subsequently, the policyholder or the insured has fraudulently disclosed incorrect information or withheld facts which may be regarded as being of importance to the Company, the insurance contract shall be void and shall not be binding on the Company. 28.8: The Company can stop or suspend an insurance product at three months notice prior to the policy anniversary. Art. 29 Disputes, venue, etc 29.1: We are always pleased to receive any feedback, including areas which may have caused concern. For any comments or complaints the insured can contact the Bupa Global Travel customer service team at travel-complaints@ihi.com or via the contact details listed at the end of this document. It's very rare that we can't resolve a complaint, but if this does happen you have the right to refer your complaint to the Danish Insurance Complaints Board: Ankenævnet for Forsikring (The Danish Insurance Complaints Board) Anker Heegaards Gade 2 1572 Copenhagen V Denmark. Any disputes arising out of or in connection with the insurance contract shall be settled in accordance with Danish law, with Copenhagen as the agreed venue. 29.2: We are covered by the Financial Services Compensation Scheme (FSCS). In the unlikely event that we cannot meet our financial obligations, the insured may be entitled to compensation from the FSCS, if the insured is usually a resident of the EEA (European Economic Area). More information is avaliable from the FSCS by calling +44(0) 20 7892 7301 or on its website www.fscs.org.uk. E.&O.E. 40 41

GLOSSARY Valid from 1 January 2015 A Acute serious illness An acute serious illness is a sudden and unexpected illness that requires immediate treatment. Applicant A person named on the application form as an applicant for insurance. Application The application form and application for cover of pre-existing condition. B Baggage Baggage is defined as suitcases, clothing, toiletries, books, photo equipment, mobile phones and laptops. Close relative A close relative is defined as being a spouse/ partner, residing and registered at the same address as the insured, a child, a son or daughter-in-law, a grandchild, a parent, a grandparent, a parent-in-law, a brother or a sister. Co-insured A person insured under the same annual or single trip policy as the policyholder and named on the policy schedule or insurance card. Commencement date The date indicated in the policy schedule on which the insurance commences, unless otherwise stated in the Policy Conditions. This Glossary with definitions is part of the Policy Conditions. Bupa Global Travel (incl. we/us/our) Bupa Denmark, filial af Bupa Insurance Limited, England (Bupa Denmark, branch of Bupa Insurance Limited, England). Bupa Global Travel is a trading name of Bupa Denmark, filial af Bupa Insurance Limited, England. C Claim The financial demand covered in whole or in part by the insurance. In the Company s evaluation/determination of the claim, the time of treatment is decisive, not the time of the occurrence of the injury/illness. Company, the Bupa Denmark, filial af Bupa Insurance Limited, England (Bupa Denmark, branch of Bupa Insurance Limited, England), CVR 31602742. Bupa Denmark, filial af Bupa Insurance Limited, England, is authorised by the Prudential Regulation Authority (UK) and subject to limited regulation by the Danish Financial Services Authority (Finanstilsynet). More information can be found on the website www.finanstilsynet.dk. 42 43

Country of permanent residence The residence where the insured has his/her permanent home or principal establishment and to where, whenever the insured is absent, the insured intends to return. H Hospitalisation Surgery or medical treatment in a hospital or clinic as an inpatient when it is medically necessary to occupy a bed overnight. I Insurance The Policy Conditions and policy schedule representing the insurance contract with the Company and setting out the scope of the insurance terms, the premium payable, cover and benefits. Insured The policyholder and/or all other insured persons as listed in the valid policy schedule. O Outpatient Surgery or medical treatment in a hospital or clinic where it is not medically necessary to occupy a bed. P Policy conditions The terms and conditions of the insurance purchased. Policyholder The (legal or physical) person having entered into the contract with the Company. Policy schedule Policy details showing the type of insurance purchased and any special terms. Pre-existing condition Any illnessess and conditions that have shown symptoms and/or for which the insured has been hospitalised, treated by a physician or has received any medical treatment for before the commencement date of the insurance. S Securities Entrance tickets to eg museum, football match, theatre performance, opera etc. Serious injury A serious injury shall be determined to exist only after review and agreement by both the attending physician and the Company s medical consultant. Subrogation The insurer s right to enforce a remedy which the insured has against a third party and the insurer s right to require the insured to repay the insurer if the insurer has paid expenses recouped by the insured from a third party. U Unrecognised physician or facility An unrecognised physician or facility includes: treatment provided by a medical practitioner who is not recognised by the relevant authorities in the country where the treatment takes place as having specialised knowledge, or expertise in, the treatment of the disease, illness or injury being treated, treatment in any hospital, or by any medical practitioner or any other provider of services, to whom we have sent a written notice that we no longer recognise them for the purposes of our plans, treatment provided by anyone with the same residence as the insured or who is a member of the insured s immediate family or an enterprise owned by one of the above mentioned persons. Simple theft Theft which is not noticed at the time of the theft being committed. E.&O.E. 44 45